Compare Bank & Credit Union Rates
Best auto loan rates, new and used
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 196–210 of 253 in Texas · median 4.99% APR
- 5.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Current model year. Payment example: $18.65 per $1,000 borrowed (or $22.80 per $1,000 borrowed for up to 48 months). Advertised APR assumes qualification for maximum available rate discount.
Auto loan score 72 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 5.50%APRas low as
Auto loan score 70 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 5.50%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as APR.
Auto loan score 68 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 5.50%APRas low as
Terms
Rate based on creditworthiness and term of loan. All loans are subject to approval. Rates may vary due to credit rating.
Auto loan score 68
Rate checked · Auto loans rates on its site
More details - 5.54%APRas low as · up to 6.49%
5.54% APR, up to 6.49%
Terms
Rates expressed as low as. Minimum loan amount of $25,000 required for terms above 73 months. Applicable for the purchase of a new, used, or refinance vehicle.
Auto loan score 72 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 5.54%APRas low as
Terms
2024-Newer model year vehicles.
Auto loan score 72 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 5.54%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
With Member Rewards (includes 0.25% discount). Up to 66 months. 100% financing available to qualified borrowers.
Auto loan score 68 · Carrot Score 73
Rate checked · Auto loans rates on its site
More details - 5.55%APRas low as
Terms
For 2023 and newer fuel-efficient vehicles (40 CMPG/CMPGe or greater).
Auto loan score 67 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 5.60%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 67 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 5.60%APRas low as
Terms
NEW! 2026; with approved credit
Auto loan score 67 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 5.65%APRas low as · up to 15.09%
5.65% APR, up to 15.09%
Terms
Model years 2021-2026. Rate based on credit history.
Auto loan score 71 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - 5.65%APRas low as
Terms
Fixed APR type. APR as low as stated.
Auto loan score 71 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 5.68%APRas low as
Terms
Minimum loan amount $10,000 required for 48 - 60-month terms.
Auto loan score 72 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 5.69%APRas low as · up to 14.29%with conditions
5.69% APR, up to 14.29%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle model year 2023 and newer. Minimum 680 FICO score and $25,000 amount financed to qualify for 79 - 84-month term. 5.69% APR is for a 24 - 48-month term with minimum 780 FICO score and includes .40% discount for setting up auto pay from a Credit Human checking account. Additional rate discounts may apply for vehicle value and EV/hybrid.
Auto loan score 71 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 5.70%APRas low as · up to 7.95%
5.70% APR, up to 7.95%
Terms
Subject to credit approval. Terms, conditions, and restrictions apply. Existing Security First Credit Union auto loans are not eligible for refinancing.
Auto loan score 71 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Texas
253 banks and credit unions · checked Oct 30–31
- Typical
- 4.99%
- Top 10% up to
- 4.25%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Texas
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- Barksdale Federal Credit UnionCredit union · 2 branches
- Service 1st Credit UnionCredit union · 1 branch